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Several commonly occurring situations create a possible need for temporary health insurance. Individuals who are between jobs and are temporarily without an employer-sponsored health insurance plan, individuals laid-off from their jobs, individuals gaining new employment who must satisfy a waiting period before being eligible to receive group health insurance benefits (i.e. 90 day waiting period), and individuals who have declined COBRA continuation of health coverage and are looking for a more affordable COBRA alternative health insurance plan.
Temporary health insurance is commonly referred to as short-term major medical insurance by insurance companies and state regulating offices, and are major medical health insurance plans offered to individuals and members of the their families on a temporary basis. Temporary health insurance plans or short-term major medical insurance are very convenient in that they allow individuals to purchase coverage from any pre-selected number of days from a minimum of 30 days to a maximum of 365 days per coverage period, with some plans allowing unlimited re-applies, and other plans allowing for three consecutive coverage periods allowing coverage up to 36 months or 3 years of coverage.
VIPER® Temporary Health Insurance Plans & Free Quote (click here)
Temporary health insurance plans offer coverage for a broad range of medical services and medical expenses. Although temporary health insurance coverage may differ from plan to plan or from one insurance company to another, temporary health insurance will typically offer coverage for physician services, surgery, outpatient and inpatient care. After satisfying the deductible amount that has been selected by the insured, the temporary health insurance plan will pay the co-insurance the insured selected for covered expenses, up to the plans lifetime maximum per insured person per coverage period. Benefits are limited to the usual, reasonable and customary charge for a covered expense in addition to any specific limits.
Many individuals have the option of continuing their health benefits provided by their group health plan through the Consolidated Omnibus Budget Reconciliation Act, more commonly known as COBRA. COBRA is available when health benefits are lost under certain circumstances, such as voluntary or involuntary job loss, reduction in the number of hours worked, transition between jobs, death, divorce, and other life events. Individuals who qualify for COBRA continuation of health insurance may be required to pay the entire premium for coverage up to 102 percent of the cost of the plan. When faced with the unexpected high cost associated with COBRA, most individuals find themselves not able to financially manage the cost of the entire premium, therefore a very large group of individuals (approximately 93% who qualify) are forced to walk away without any type of health insurance coverage.
Temporary health insurance plans are very popular among individuals and families who decline COBRA - When forced to look for a more affordable COBRA health insurance alternative plan, many individuals find temporary health insurance plans to be a perfect solution. A large number of individuals prefer temporary health insurance plans because they offer the same convenient features like that of traditional major medical plans but offer more flexibility - with choice of deductibles, co-insurance, and length of coverage period - temporary health insurance plans typically offer major medical coverage from 30 days up to a maximum of 365 days, with plan options that allow the insured to re-apply for a maximum of three consecutive coverage periods offering a total of 36 months or 3 years of health insurance coverage, and plan options that include unlimited re-applies of non-continuous coverage periods.
Like most health insurance policies, temporary health insurance plans do not cover pre-existing conditions. The pre-existing conditions limitation includes conditions that were treated or produced symptoms within five years prior to effective date of your temporary health insurance plan. However, some temporary health insurance plans like VIPER's Secure 12 x 3 short-term medical insurance gives the insured the opportunity to submit a simplified application form and re-apply within 30 days prior to the termination date of coverage, if the application is approved in underwriting, a new Coverage Period will be issued and the effective date will be the first day following the termination date of insured's coverage period. The insured will then receive a new certificate of insurance and new deductibles and co-insurance will apply. However, the pre-existing conditions limitations will not apply to any condition(s) that were covered during a prior prior coverage period. Any other pre-existing conditions will remain subject to the pre-existing conditions limitation as described in the certificate of insurance.
Many college graduates and college students may no longer be covered under their parents health insurance plan, or may temporarily lose health insurance coverage under their parents plan because of a decrease in college credit hours or classification from full-time student to part-time student.
Under HIPAA, temporary health insurance plans like short-term major medical insurance coverage is generally considered creditable coverage to help satisfy any pre-existing condition period.
Note: All health insurance plans, health insurance coverage, and affordable COBRA alternatives offered through VIPER Health Insurance are generally considered "creditable coverage" under the Health Insurance Portability and Accountability Act of 1996 (HIPAA)
"VIPER Health Insurance is what health insurance should be, I give their temporary health insurance plans an A, and their customer service an A+, it finally feels good to be satisfied with my health insurance coverage." Thank you !
Shelly R. - Sarasota, Florida
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VIPER is a Registered Trademark of VIPER Health Insurance
VIPER Health Insurance makes buying health insurance very easy. Individuals can learn all the most accurate and up-to-date information and resources about COBRA insurance continuation of health coverage and medical insurance benefits. VIPER serves the public as the Industry Standard Alternative to COBRA, offering popular temporary health insurance plans, short-term major medical insurance, and the most affordable COBRA alternative health insurance plans. VIPER Health Insurance has developed a place where individuals, families, businesses, and college graduates & college students can select an available health insurance plan and uniquely design the coverage to suite their financial needs.
Any and all information about Temporary health insurance, short-term major medical insurance, COBRA insurance, and any other health insurance information or resources being offered through this website or any VIPER Health Insurance official affiliate websites is not intended as legal advice, but is provided for the general public as general information. Facts, circumstances, and the application of particular laws will differ in individual circumstances. Temporary health insurance plans, short-term major medical insurance plans, and affordable COBRA alternative health insurance plans are available in most state. To check if VIPER Health Insurance has an available plan in your state please see the list below or check state availability.
Offering Temporary health insurance, short-term major medical insurance, and affordable COBRA alternative plans in most of the following states:
Alabama AL, Alaska AK, Arizona AZ, Arkansas AR, California CA, Colorado CO, Connecticut CT, Delaware DE, District of Columbia D.C., Florida FL, Georgia GA, Hawaii HI, Idaho ID, Illinois IL, Indiana IN, Iowa IA, Kansas KS, Kentucky KY, Louisiana LA, Maine ME, Maryland MD, Massachusetts MA, Michigan MI, Minnesota MN, Mississippi MS, Missouri MO, Montana MT, Nebraska NE, Nevada NV, New Hampshire NH, New Jersey NJ, New Mexico NM, New York NY, North Carolina NC, North Dakota ND, Ohio OH, Oklahoma OK, Oregon OR, Pennsylvania PA, Rhode Island RI, South Carolina SC, South Dakota SD, Tennessee TN, Texas TX, Utah UT, Vermont VT, Virginia VA, Washington WA, West Virginia WV, Wisconsin WI, Wyoming WY
